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City · 8,681 residents · Berkeley County, South Carolina

Sangaree , South Carolina

In Sangaree, a typical home is worth $251,800 and typical rent is $1,419 a month. Compared with all of Berkeley County, the typical home value is 19% lower, typical rent is 14% lower, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $251,800

    19% below the county

    3% below South Carolina

    • Sangaree
    • Berkeley
    • South Carolina

  • Typical rent

    $1,419a month

    14% below the county

    20% above South Carolina

    • Sangaree
    • Berkeley
    • South Carolina

  • Typical household income

    $77,673a year

    8% below the county

    12% above South Carolina

    • Sangaree
    • Berkeley
    • South Carolina

  • Households that own their home

    85%

    11 points above the county

    13 points above South Carolina

    • Sangaree
    • Berkeley
    • South Carolina

Source: U.S. Census Bureau, Average 2020–2024

Sangaree is in Berkeley County. The FHA loan limit ($690,000 for a one-unit home), the fair market rents and the help on this page are those of all of Berkeley County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Sangaree apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Sangaree is worth $251,800, 19% less than in Berkeley County as a whole ($310,300).

  2. 85% of households in Sangaree own their home, against 75% in Berkeley County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Sangaree

What homes there are in Sangaree, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 93% of homes here, against 66% in Berkeley County.

Year built

The typical home in Sangaree was built in 1986, 16 years before the typical one in Berkeley County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,349 a month

Berkeley County: $1,681 a month

Without a mortgage

$437 a month

Berkeley County: $476 a month

Owners with a mortgage

73%

Berkeley County: 64%

Owning costs less in Sangaree: with a mortgage, the typical cost is $1,349 a month; in Berkeley County, $1,681. Without one, $437.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Sangaree rose 69% since 2015–2019, about the same as in Berkeley County (67%).

Since 2015–2019, the typical rent in Sangaree did not change clearly, according to the Census.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSangareeBerkeley CountySouth CarolinaUnited States
Rental vacancy Unreliable estimate6.3%8.3%5.5%
Homeowner vacancy Unreliable estimate1.1%0.9%0.9%
More than one person per room Unreliable estimate1.8%2.0%3.4%
People per household 2.692.592.442.53
Drive alone 82%77%76%69%
Carpool 8%8%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 7%12%12%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Berkeley County, a household in Sangaree has 2.69 people on average.

In Sangaree, 82% of workers drive alone to work; in Berkeley County, 77%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Sangaree?

A typical home is tight for the typical income

We start with a typical home in Sangaree, worth $251,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Sangaree, which is $77,673 a year. For that payment to be 28% of income, a household would need to earn about $85,277 a year.

The calculator's FHA and conventional loan limits are those of all of Berkeley County.

Your numbers

Local data
$

Starts at the typical home value in Sangaree. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,813 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,990

at 7.18% · 30 years

Loan amount
$247,239
Total interest
$355,719
Paid off in
November 2056

Includes $4,252 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,812 a month

  • Tight

    $1,812 to $2,330 a month

    Your payment · 31%

  • Hard

    more than $2,330 a month

Compared with the typical household income in Sangaree ($77,673 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,990
Principal & interest$1,675
Property tax$99
Home insurance$105
FHA mortgage insurance (MIP)$111

You need at least $8,813 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Sangaree and Berkeley County

Sangaree is in Berkeley County, South Carolina. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Sangaree's own numbers

Typical home value
$251,800
Typical monthly rent
$1,419
Typical yearly household income
$77,673
Households that own their home
85%
Effective property tax rate
0.47%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Berkeley County

FHA limit, one-unit home
$690,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,884
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
4.8%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Berkeley County.

Everything about Berkeley County

Buying

Buying a home in Sangaree

A typical home in Sangaree is worth $251,800: 19% below the county and 3% below South Carolina. With the typical household income in Sangaree ($77,673 a year), a typical home costs 3.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Sangaree 3.2 years
  • Berkeley 3.7 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Berkeley County

According to FHFA’s house price index, home prices in Berkeley County rose 115% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Berkeley County.

Period County South Carolina U.S.
Last year (2025) +2.0% +3.6% +2.9%
5 years (2020–2025) +57% +60% +47%
10 years (2015–2025) +115% +104% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Sangaree next to Berkeley County, South Carolina and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Sangaree $251,800
  • Berkeley $310,300
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Sangaree $1,419
  • Berkeley $1,654
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Sangaree $77,673
  • Berkeley $84,358
  • South Carolina $69,324
  • United States $80,734
See the full table
Sangaree next to Berkeley County and South Carolina
Measure Sangaree Berkeley County South Carolina U.S.
Typical home value $251,800 $310,300 $259,000 $332,700
Typical monthly rent $1,419 $1,654 $1,180 $1,413
Typical yearly household income $77,673 $84,358 $69,324 $80,734
Households that own their home 85% 75% 72% 65%
Typical yearly property tax $1,171 $1,400 $1,251 $3,119
Effective property tax rate 0.47% 0.45% 0.48% 0.94%
Renters with high rent for their income 48% 51% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Berkeley County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Sangaree

For a typical $251,800 home in Sangaree, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sangaree's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,990a month

    Least cash to close
    Down payment
    $8,813
    Cash to close
    $16,367
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $111

  • Conventional, 5% down $1,944a month

    Down payment
    $12,590
    Cash to close
    $20,144
    Rate
    7.18%
    Mortgage insurance
    PMI · $120

  • Conventional, 20% down, no PMI $1,568a month

    Down payment
    $50,360
    Cash to close
    $57,914
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,801a month

    Down payment
    $37,770
    Cash to close
    $45,324
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Sangaree and for Berkeley County.

Property tax

Effective rate in Sangaree

0.47%of the home’s value each year

$1,171 a year for the typical owner in Sangaree.

  • Sangaree 0.47%
  • Berkeley 0.45%
  • South Carolina 0.48%

What South Carolina publishes Special 4% assessment ratio for your legal residence (South Carolina General Assembly (South Carolina Code of Laws))

Exemptions and deadlines in South Carolina

Flood risk in Berkeley County

FEMA does not publish these numbers by city: they are for all of Berkeley County.

Homes in the high-risk zone
4.8%
3,874
Of those, with NFIP insurance
82%
County South Carolina U.S.
Homes in the high-risk zone 4.8% 4% 3.5%
Of those, with NFIP insurance 82% 85% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Sangaree

Typical rent in Sangaree is $1,419 a month: 14% below the county. In Sangaree, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Berkeley County, by unit size. To pay the 2-bedroom one ($1,884 a month) without spending more than 30% of your income, you would need to earn $36.23 an hour working full time.

HUD fair market rent for all of Berkeley County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,661 $31.94 $66,440
1 bedroom $1,731 $33.29 $69,240
2 bedrooms $1,884 $36.23 $75,360
3 bedrooms $2,336 $44.92 $93,440
4 bedrooms $2,687 $51.67 $107,480

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Sangaree

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sangaree is in ZIP code 29486.

For 2 bedrooms it is $2,000: $116 more than the fair market rent for Berkeley County ($1,884).

  • 29486 $2,000$2,480

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sangaree when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Sangaree

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Berkeley County. The nearest ones are below; many serve by phone or online.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Sangaree

No down payment, repair or rent-help program on our list is for Sangaree or Berkeley County. The ones below are statewide in South Carolina: they work in Sangaree the same as in the rest of the state.

Which programs do I qualify for? All programs in South Carolina

  • Palmetto Home Advantage

    Statewide in South Carolina

    South Carolina state agency program with forgivable down payment assistance of 0%, 3% or 4% of the loan, with no monthly payments, for any buyer in all 46 counties. Offered by SC Housing (South Carolina State Housing Finance and Development Authority).

    Forgivable

    See the program Official page

  • SC Housing Homebuyer Program

    Statewide in South Carolina

    South Carolina state agency fixed-rate mortgage with forgivable help for the down payment, closing costs or prepaid expenses: a 0% second mortgage with no monthly payments, forgiven if you live in the home 15 years. Offered by SC Housing (South Carolina State Housing Finance and Development Authority).

    Forgivable

    See the program Official page

Housing counselors near Sangaree

The HUD-approved agencies closest to the center of Sangaree, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Increasing H.o.p.e. Financial Training Center

    8570 Rivers Ave, North Charleston · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (843) 225-4343

  • Origin SC

    8084 Rivers Ave, North Charleston · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (843) 628-3000

  • NSC (naca Counseling Subsidiary) - Charleston, SC

    7301 Rivers Ave, North Charleston · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (425) 602-6222

All counseling agencies in South Carolina

Help in Spanish near Sangaree

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Sangaree

HUD lists no housing authority with an office in Berkeley County. One in a neighboring county or the state’s may serve the area.

All housing agencies in South Carolina Source: HUD

Cities

Other cities in Berkeley County

These cities are also in Berkeley County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Berkeley County Housing in South Carolina

Nearby cities

The cities closest to Sangaree, with the typical home value.

Neighboring counties

If Berkeley County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Sangaree.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Sangaree

Short answers with the numbers for Sangaree and all of Berkeley County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Sangaree?

The typical home value in Sangaree is $251,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Berkeley County it is $310,300.

How much does it cost to rent in Sangaree?

Typical rent in Sangaree is $1,419 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Berkeley County is $1,884.

What is the FHA loan limit in Sangaree?

Sangaree uses the FHA limit for all of Berkeley County (2026): $690,000 for a one-unit home and $1,326,950 for a four-unit home.

How much property tax do owners pay in Sangaree?

The typical homeowner in Sangaree pays $1,171 a year, according to the U.S. Census Bureau. That is 0.47% of the home’s value; in Berkeley County, the rate is 0.45%.

Where can I find free help to buy or rent in Sangaree?

We found no HUD-approved counseling agencies with an office in Berkeley County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).